Company Details
Company Name:
LIBERTY NATIONAL LIFE INSURANCE COMPANYLicense Status:
ActiveNAIC Number:
65331Company Address:
7677 Henneman Way McKinney, TX 75070
Phone Number:
2053252722Mailing Address:
7677 Henneman Way McKinney, TX 75070
Description:
Life and Health (Ch 376 & 377, RSMo)License Number:
A418052Date Admitted:
1953-03-01Market Share
| Year | Line | Market Share | Direct Premium Written | Direct Premium Earned | Dividends Paid | Direct Losses Paid | Direct Losses Incurred | In Force | Loss Ratio |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | Total Accident & Health | 0.04% | $6,410,477 | $7,242,033 | $0 | $2,313,842 | $2,422,399 | $0 | 104.69% |
| 2025 | Total Individual Accident & Health | 0.08% | $6,394,867 | $7,224,424 | $0 | $2,310,046 | $2,418,603 | $0 | 104.7% |
| 2025 | Individual Medicare Supplement | 0% | $9,825 | $11,057 | $0 | $15,269 | $16,096 | $0 | 105.42% |
| 2025 | Individual Specified Disease | 4.2% | $4,563,370 | $5,154,277 | $0 | $1,792,513 | $1,874,122 | $0 | 104.55% |
| 2025 | Individual Accident Only | 1.88% | $1,685,221 | $1,905,611 | $0 | $477,264 | $499,791 | $0 | 104.72% |
| 2025 | Individual Limited Benefit | 0.11% | $136,451 | $153,479 | $0 | $25,000 | $28,594 | $0 | 114.38% |
| 2025 | Total Group Accident & Health | 0% | $15,610 | $17,609 | $0 | $3,796 | $3,796 | $0 | 100% |
| 2025 | Group Dental | 0% | $6,536 | $7,373 | $0 | $290 | $290 | $0 | 100% |
| 2025 | Group Limited Benefit | 0% | $9,074 | $10,236 | $0 | $3,506 | $3,506 | $0 | 100% |
| 2025 | Total Life & Annuities | 0.1% | $16,853,360 | $0 | $12 | $2,955,828 | $0 | $1,070,696 | 0% |
| 2025 | Total Individual Life | 0.28% | $11,229,603 | $0 | $12 | $1,381,979 | $0 | $451,876 | 0% |
| 2025 | Individual Industrial Life | 0.01% | $4 | $0 | $0 | $2,244 | $0 | $52 | 0% |
| 2025 | Individual Whole Life | 1.05% | $9,745,520 | $0 | $12 | $1,192,946 | $0 | $362,447 | 0% |
| 2025 | Individual Term Life | 0.24% | $1,484,079 | $0 | $0 | $186,789 | $0 | $89,377 | 0% |
| 2025 | Total Individual Annuities | 0% | $4,800 | $0 | $0 | $547,622 | $0 | $2,973 | 0% |
| 2025 | Individual Fixed Annuities | 0% | $4,800 | $0 | $0 | $542,971 | $0 | $2,882 | 0% |
| 2025 | Individual Life Contingencies | 0% | $0 | $0 | $0 | $4,651 | $0 | $91 | 0% |
| 2025 | Total Individual Life & Annuities | 0.08% | $11,234,403 | $0 | $12 | $1,929,601 | $0 | $454,849 | 0% |
| 2025 | Total Group Life | 0.37% | $5,618,957 | $0 | $0 | $1,026,227 | $0 | $615,847 | 0% |
| 2025 | Group Term Life | 0.83% | $5,618,957 | $0 | $0 | $1,026,227 | $0 | $615,847 | 0% |
| 2025 | Total Group Life & Annuities | 0.18% | $5,618,957 | $0 | $0 | $1,026,227 | $0 | $615,847 | 0% |
| 2024 | Total Accident & Health | 0.04% | $6,076,562 | $6,821,787 | $0 | $1,841,791 | $1,660,702 | $0 | 90.17% |
| 2024 | Total Individual Accident & Health | 0.09% | $6,056,544 | $6,799,291 | $0 | $1,834,603 | $1,653,514 | $0 | 90.13% |
| 2024 | Individual Medicare Supplement | 0% | $9,472 | $10,725 | $0 | $11,330 | $5,143 | $0 | 45.39% |
| 2024 | Individual Specified Disease | 4% | $4,311,688 | $4,841,883 | $0 | $1,409,962 | $1,353,879 | $0 | 96.02% |
| 2024 | Individual Accident Only | 1.65% | $1,595,510 | $1,789,638 | $0 | $402,488 | $297,820 | $0 | 73.99% |
| 2024 | Individual Limited Benefit | 0.11% | $139,874 | $157,045 | $0 | $10,823 | $-3,328 | $0 | -30.75% |
| 2024 | Total Group Accident & Health | 0% | $20,018 | $22,496 | $0 | $7,188 | $7,188 | $0 | 100% |
| 2024 | Group Dental | 0% | $10,041 | $11,284 | $0 | $3,614 | $3,614 | $0 | 100% |
| 2024 | Group Limited Benefit | 0% | $9,977 | $11,212 | $0 | $3,574 | $3,574 | $0 | 100% |
| 2024 | Total Life & Annuities | 0.1% | $15,493,819 | $0 | $11 | $2,655,503 | $0 | $1,038,518 | 0% |
| 2024 | Total Individual Life | 0.23% | $10,090,943 | $0 | $11 | $1,045,425 | $0 | $449,039 | 0% |
| 2024 | Individual Industrial Life | 0% | $4 | $0 | $0 | $4,315 | $0 | $51 | 0% |
| 2024 | Individual Whole Life | 0.96% | $8,748,770 | $0 | $11 | $988,284 | $0 | $353,786 | 0% |
| 2024 | Individual Term Life | 0.22% | $1,342,169 | $0 | $0 | $52,826 | $0 | $95,202 | 0% |
| 2024 | Total Individual Annuities | 0% | $4,800 | $0 | $0 | $592,286 | $0 | $0 | 0% |
| 2024 | Individual Fixed Annuities | 0% | $4,800 | $0 | $0 | $592,286 | $0 | $0 | 0% |
| 2024 | Individual Life Contingencies | 0% | $0 | $0 | $0 | $0 | $0 | $0 | 0% |
| 2024 | Total Individual Life & Annuities | 0.08% | $10,095,743 | $0 | $11 | $1,637,711 | $0 | $449,039 | 0% |
| 2024 | Total Group Life | 0.36% | $5,398,076 | $0 | $0 | $1,017,792 | $0 | $589,479 | 0% |
| 2024 | Group Term Life | 0.85% | $5,398,076 | $0 | $0 | $1,017,792 | $0 | $589,479 | 0% |
| 2024 | Total Group Life & Annuities | 0.17% | $5,398,076 | $0 | $0 | $1,017,792 | $0 | $589,479 | 0% |
| 2023 | Total Accident & Health | 0.04% | $5,216,322 | $5,835,319 | $0 | $1,702,612 | $2,034,362 | $0 | 119.48% |
| 2023 | Total Individual Accident & Health | 0.1% | $5,198,734 | $5,815,667 | $0 | $1,695,758 | $2,027,519 | $0 | 119.56% |
| 2023 | Individual Medicare Supplement | 0% | $14,360 | $14,506 | $0 | $39,350 | $41,339 | $0 | 105.05% |
| 2023 | Individual Specified Disease | 3.51% | $3,683,475 | $4,122,319 | $0 | $1,254,251 | $1,348,393 | $0 | 107.51% |
| 2023 | Individual Accident Only | 1.7% | $1,374,559 | $1,537,781 | $0 | $376,613 | $613,187 | $0 | 162.82% |
| 2023 | Individual Limited Benefit | 0.11% | $126,340 | $141,061 | $0 | $25,544 | $24,600 | $0 | 96.3% |
| 2023 | Total Group Accident & Health | 0% | $17,588 | $19,652 | $0 | $6,854 | $6,843 | $0 | 99.84% |
| 2023 | Group Limited Benefit | 0.01% | $17,588 | $19,652 | $0 | $6,854 | $6,843 | $0 | 99.84% |
| 2023 | Total Life | 0.1% | $13,326,197 | $0 | $11 | $3,041,548 | $0 | $915,043 | 0% |
| 2023 | Total Individual Life | 0.09% | $8,528,762 | $0 | $11 | $2,453,531 | $0 | $405,714 | 0% |
| 2023 | Individual Whole Life | 0.85% | $7,392,207 | $0 | $11 | $903,632 | $0 | $251,539 | 0% |
| 2023 | Individual Term Life | 0.19% | $1,134,055 | $0 | $0 | $49,466 | $0 | $154,175 | 0% |
| 2023 | Individual Ordinary Annuities | 0% | $2,500 | $0 | $0 | $1,500,433 | $0 | $0 | 0% |
| 2023 | Total Group Life | 0.14% | $4,797,435 | $0 | $0 | $588,017 | $0 | $509,329 | 0% |
| 2023 | Group Term Life | 0.81% | $4,797,435 | $0 | $0 | $588,017 | $0 | $509,329 | 0% |
| 2022 | Total Accident & Health | 0.03% | $4,615,058 | $4,628,963 | $0 | $1,181,971 | $1,144,891 | $0 | 96.86% |
| 2022 | Total Individual Accident & Health | 0.09% | $4,574,659 | $4,588,564 | $0 | $1,167,338 | $1,130,258 | $0 | 96.82% |
| 2022 | Individual Medicare Supplement | 0% | $19,231 | $19,043 | $0 | $41,337 | $42,689 | $0 | 103.27% |
| 2022 | Individual Specified Disease | 2.73% | $3,208,342 | $3,219,812 | $0 | $779,727 | $583,343 | $0 | 74.81% |
| 2022 | Individual Accident Only | 1.98% | $1,225,448 | $1,228,090 | $0 | $311,789 | $463,332 | $0 | 148.6% |
| 2022 | Individual Limited Benefit | 0.12% | $121,638 | $121,619 | $0 | $34,485 | $40,894 | $0 | 118.58% |
| 2022 | Total Group Accident & Health | 0% | $40,399 | $40,399 | $0 | $14,633 | $14,633 | $0 | 100% |
| 2022 | Group Accident Only | 0.03% | $40,399 | $40,399 | $0 | $14,633 | $14,633 | $0 | 100% |
| 2022 | Total Life | 0.08% | $11,866,854 | $0 | $12 | $2,715,604 | $0 | $794,870 | 0% |
| 2022 | Total Individual Life | 0.08% | $7,522,697 | $0 | $12 | $1,847,661 | $0 | $379,550 | 0% |
| 2022 | Individual Whole Life | 0.75% | $6,519,692 | $0 | $12 | $766,666 | $0 | $234,785 | 0% |
| 2022 | Individual Term Life | 0.16% | $970,565 | $0 | $0 | $185,854 | $0 | $144,765 | 0% |
| 2022 | Individual Ordinary Annuities | 0% | $32,440 | $0 | $0 | $895,141 | $0 | $0 | 0% |
| 2022 | Total Group Life | 0.1% | $4,344,157 | $0 | $0 | $867,943 | $0 | $415,320 | 0% |
| 2022 | Group Term Life | 0.79% | $4,344,157 | $0 | $0 | $867,943 | $0 | $415,320 | 0% |
| 2021 | Total Accident & Health | 0.03% | $3,981,105 | $3,984,856 | $0 | $1,552,298 | $1,591,204 | $0 | 102.51% |
| 2021 | Total Individual Accident & Health | 0.09% | $3,974,290 | $3,978,041 | $0 | $1,549,616 | $1,588,522 | $0 | 102.51% |
| 2021 | Individual Medicare Supplement | 0% | $18,957 | $19,128 | $0 | $44,890 | $45,848 | $0 | 102.13% |
| 2021 | Individual Specified Disease | 2.68% | $2,760,494 | $2,761,981 | $0 | $1,179,871 | $1,018,118 | $0 | 86.29% |
| 2021 | Individual Accident Only | 1.75% | $1,091,740 | $1,093,268 | $0 | $297,669 | $489,887 | $0 | 164.57% |
| 2021 | Individual Limited Benefit | 0.15% | $103,099 | $103,664 | $0 | $27,186 | $34,669 | $0 | 127.53% |
| 2021 | Total Group Accident & Health | 0% | $6,815 | $6,815 | $0 | $2,682 | $2,682 | $0 | 100% |
| 2021 | Group Accident Only | 0.01% | $6,815 | $6,815 | $0 | $2,682 | $2,682 | $0 | 100% |
| 2021 | Total Life | 0.08% | $10,345,689 | $0 | $25 | $3,286,541 | $0 | $703,044 | 0% |
| 2021 | Total Individual Life | 0.08% | $6,413,025 | $0 | $25 | $2,549,412 | $0 | $362,644 | 0% |
| 2021 | Individual Whole Life | 0.63% | $5,545,752 | $0 | $25 | $1,271,060 | $0 | $223,962 | 0% |
| 2021 | Individual Term Life | 0.14% | $833,473 | $0 | $0 | $377,722 | $0 | $138,682 | 0% |
| 2021 | Individual Ordinary Annuities | 0% | $33,800 | $0 | $0 | $900,630 | $0 | $0 | 0% |
| 2021 | Total Group Life | 0.09% | $3,932,664 | $0 | $0 | $737,129 | $0 | $340,400 | 0% |
| 2021 | Group Term Life | 0.65% | $3,932,664 | $0 | $0 | $737,129 | $0 | $340,400 | 0% |
Complaint Index
| Year | Line | Market Share | Number of Complaints | Complaint Index |
|---|---|---|---|---|
| 2025 | Health | 0% | 3 | 9999 |
| 2025 | Life and Annuities | 0% | 3 | 0 |
| 2024 | Health | 0% | 1 | 7212 |
| 2024 | Life and Annuities | 0.1% | 2 | 285 |
| 2023 | Health | 0.04% | 1 | 116 |
| 2023 | Life and Annuities | 0.1% | 0 | 0 |
| 2023 | Medicare Supplement Insurance | 0% | 0 | 0 |
| 2022 | Health | 0.05% | 0 | 0 |
| 2022 | Life and Annuities | 0.1% | 1 | 135 |
| 2022 | Medicare Supplement Insurance | 0% | 0 | 0 |
| 2021 | Health | 0.04% | 0 | 0 |
| 2021 | Life and Annuities | 0.1% | 1 | 132 |
| 2021 | Medicare Supplement Insurance | 0% | 0 | 0 |
Company Changes
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Market Regulation Actions
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Financial Exams
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